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Spoliation of Evidence

Author: Landyn A. Gautreau

Understanding what you should know before you’re ever in a motor vehicle accident is the only way to navigate the chaos of the first ten minutes after a crash. Most people assume that having an insurance card in the glove box means they are prepared, but insurance is only half the battle.

The actions you take—or fail to take—in the first sixty seconds on the scene can dictate the next two years of your life. In Louisiana, the legal landscape moves fast. Once crews clear the debris, you lose the chance to capture the evidence needed to hold a negligent driver or trucking company accountable. If you prepare now, you prevent a single moment of chaos from turning into a lifetime of financial burden.

The Policy Gap (Why Your Coverage is Probably Incomplete)

One of the most expensive lessons Louisiana drivers learn too late is that “full coverage” is often a myth. While you may have a valid policy, it likely contains a massive gap: Uninsured/Underinsured Motorist (UM/UIM) coverage. In simple terms, UM/UIM is the insurance you buy to protect yourself when the person who hits you doesn’t have sufficient insurance limits to cover your medical bills or vehicle damage.

Many Louisiana drivers carry only the state-mandated minimum liability limits. If one hits you and you lack UM coverage, you pay for their negligence. This gap can leave you owing thousands for medical bills and lost wages. You may pay even when you did nothing wrong.

The Louisiana Department of Insurance (LDI) provides an official “Consumer’s Guide to Auto Insurance” designed to help drivers understand complex policy terms and coverage gaps, including essential UM/UIM options. Utilizing this guide as a checklist for reviewing insurance declarations pages helps drivers ensure adequate protection before an accident occurs. For a direct link, you can review the official resource here: Louisiana Department of Insurance Consumer Guide.

To protect your future, don’t wait until you’re filing a claim to see what’s in your policy. Call your insurance agent today and ask to review your declarations page. Ensuring you have sufficient UM/UIM coverage is the single most important proactive step you can take before a wreck ever happens.

The Digital Witness (Why You Need a Dashcam Now)

In the immediate aftermath of a high-stakes wreck, conflicting statements and inconsistent police reports often bury the truth. To prove fault in a car accident, you need objective, indisputable evidence. A high-quality dashcam gives you that advantage. It’s one of the smartest investments you can make before you leave your driveway. When your dashcam captures the collision, you can eliminate disputes that would otherwise drag your case out for months—or even years.

Dashcam evidence in Louisiana becomes even more important in crashes involving 18-wheelers and commercial vehicles. Trucking companies use advanced data recorders and GPS tracking to protect themselves from the moment of impact. You need your own digital witness to protect your side.

Whether a driver runs a red light or makes an illegal lane change, footage captures the truth in real time. It puts you in control and keeps the facts clear.

Silence is Golden (The Truth About Insurance Adjusters)

Most people learn this lesson too late: the “friendly” insurance adjuster who calls within 24 hours of a wreck is not on your side. Their goal is to protect the company’s bottom line. They often push you into giving a recorded statement before you see a doctor or fully process what happened.

Report the accident to your insurance company. You do not have to give a recorded statement or discuss your current pain. Adjusters use tactics to minimize your injuries or shift blame onto you. Before you speak or sign anything, remember: silence protects you. Let your attorney handle communication to protect your case.

Checklist: The “First 60 Seconds” Prep

    • Physical Insurance Card: Don’t rely on a digital app if your phone is damaged or dead after a crash.

    • The “Scene Sweep” Photos: Take photos of skid marks, street signs, and the position of the vehicles before they are moved.

    • The Police Report: Never leave the scene of a “minor” bump without an official report; hidden damage often appears days later.

Preparation is Your Best Defense

By taking these proactive steps today, you are doing more than just buying insurance or a camera; you are securing your future recovery.

You cannot control when a negligent driver will cross your path, but you can control how prepared you are for the aftermath. From ensuring your policy has sufficient UM/UIM limits to having a digital witness on your dashboard, your preparation is what transforms a chaotic situation into a manageable legal case.

Don’t Wait Until the Evidence Disappears

If you have been involved in a wreck, or if you want a professional review of your current auto policy to ensure you are truly protected, the team at Saunders & Chabert is here to help. We don’t just take your case; we do the groundwork ourselves to ensure no detail is overlooked.

Protect your rights before the clock runs out. Contact Saunders & Chabert today for a free consultation at (225) 771-8100 or visit us online to learn more about our “No Hand-Off” approach.

Author: Landyn A. Gautreau

Understanding what you should know before you’re ever in a motor vehicle accident is the only way to navigate the chaos of the first ten minutes after a crash. Most people assume that having an insurance card in the glove box means they are prepared, but insurance is only half the battle.

The actions you take—or fail to take—in the first sixty seconds on the scene can dictate the next two years of your life. In Louisiana, the legal landscape moves fast. Once the debris is cleared, it is often too late to capture the evidence needed to hold a negligent driver or a trucking corporation accountable. By arming yourself with a strategy now, you ensure that a single moment of chaos doesn’t result in a lifetime of financial burden.

The Policy Gap (Why Your Coverage is Probably Incomplete)

One of the most expensive lessons Louisiana drivers learn too late is that “full coverage” is often a myth. While you may have a valid policy, it likely contains a massive gap: Uninsured/Underinsured Motorist (UM/UIM) coverage. In simple terms, UM/UIM is the insurance you buy to protect yourself when the person who hits you doesn’t have sufficient insurance limits to cover your medical bills or vehicle damage.

The “too late” reality in Louisiana is that many drivers carry only the state-mandated minimum liability limits. If you are involved in a wreck with one of these drivers and you don’t have UM coverage, you are essentially forced to pay for their negligence out of your own pocket. This gap can leave you responsible for thousands of dollars in hospital stays and lost wages, even when you did nothing wrong.

To protect your future, don’t wait until you’re filing a claim to see what’s in your policy. Call your insurance agent today and ask to review your declarations page. Ensuring you have sufficient UM/UIM coverage is the single most important proactive step you can take before a wreck ever happens.

The Digital Witness (Why You Need a Dashcam Now)

In the immediate aftermath of a high-stakes wreck, the truth often gets buried under “he-said, she-said” arguments and conflicting police reports. One of the most effective ways to ensure proving fault in a car accident is through objective, indisputable evidence. This is why a high-quality dashcam is the single best investment you can make before you ever leave your driveway. When there is video footage of the collision, the disputes that usually drag a case out for months—or years—can vanish in an instant.

Dashcam evidence in Louisiana is particularly critical in cases involving 18-wheelers and commercial vehicles. Large trucking companies are equipped with their own sophisticated data recorders and GPS tracking designed to protect their interests from the moment an impact is detected. To level the playing field, you need your own “digital witness.” Whether it’s an illegal lane change or a blown red light, having the footage ensures that the facts speak louder than any corporate legal team. 

Silence is Golden (The Truth About Insurance Adjusters)

Another lesson most people learn too late is that the “friendly” insurance adjuster calling 24 hours after a wreck is not on your side. Their primary goal is to minimize the company’s financial exposure, often by tricking you into a recorded statement before you’ve even seen a doctor or processed the trauma of the event.

You have a contractual duty to report the accident to your own insurance company, but you are under no obligation to provide a recorded play-by-play of the crash or the “current” status of your pain. Adjusters are trained to lead you into statements that minimize your injuries or suggest you were partially at fault. Before you provide any official statement or sign a release, remember: silence is your strongest legal protection. Let your attorney handle the communication so that your words aren’t used against your own recovery.

Checklist: The “First 60 Seconds” Prep

    • Physical Insurance Card: Don’t rely on a digital app if your phone is damaged or dead after a crash.

    • The “Scene Sweep” Photos: Take photos of skid marks, street signs, and the position of the vehicles before they are moved.

    • The Police Report: Never leave the scene of a “minor” bump without an official report; hidden damage often appears days later.

Preparation is Your Best Defense

By taking these proactive steps today, you are doing more than just buying insurance or a camera; you are securing your future recovery.

You cannot control when a negligent driver will cross your path, but you can control how prepared you are for the aftermath. From ensuring your policy has sufficient UM/UIM limits to having a digital witness on your dashboard, your preparation is what transforms a chaotic situation into a manageable legal case.

Don’t Wait Until the Evidence Disappears

If you have been involved in a wreck, or if you want a professional review of your current auto policy to ensure you are truly protected, the team at Saunders & Chabert is here to help. We don’t just take your case; we do the groundwork ourselves to ensure no detail is overlooked.

Protect your rights before the clock runs out. Contact Saunders & Chabert today for a free consultation at (225) 771-8100 or visit us online to learn more about our “No Hand-Off” approach.

By: Scotty Edward Chabert Jr.

Spoliation of evidence is a serious issue that can have a major impact on the outcome of litigation. As such, it’s something that all parties need to take seriously and address from the outset of litigation. 

To help ensure you comply with all applicable laws and that your rights are protected, here is an overview of what the spoliation of evidence is and best practices for ensuring all evidence is protected. 


What is Spoliation of Evidence? 

In simple terms, spoliation of evidence is when someone destroys, changes, or hides evidence that is important for a legal case, without a reasonable explanation. If someone does this, they might get in trouble with the court, and the judge could punish them in different ways, like assuming that they did something wrong or throwing out evidence they wanted to use in court. 

The basic principle is that a party is required to preserve evidence when they know or should know that the evidence is relevant to a pending or future litigation. 

The failure to do so becomes an issue if, during the course of litigation, one party discovers or suspects that another party has deliberately or negligently destroyed evidence relevant to the case.

This can include destroying or altering photographs, documents, videos, electronically stored information, and physical objects.  


Spoliation of Evidence in Louisiana 

The Louisiana Code of Civil Procedure gives trial courts broad authority to impose sanctions on a party for spoliation of evidence. Article 1471 provides that when a party refuses or is unable to comply with a discovery order, the court “may make such orders in regard to the failure as are just.” 

These sanctions can include an adverse presumption against the party that failed to produce evidence, striking evidence or testimony, and even holding a party in contempt of court. 

Beyond this discovery rule, Article 191 of the Louisiana Code of Civil Procedure authorizes courts to impose sanctions for the spoliation of evidence. Article 191 states that a trial court “possesses inherently all of the power necessary for the exercise of its jurisdiction even though not granted expressly by law.” Because the spoliation of evidence interferes with the court’s ability to exercise its jurisdiction, this rule further expands the court’s power to sanction litigants for the destruction or alteration of evidence. 


The Importance of Preserving Evidence 

The spoliation of evidence can result in adverse presumptions, the exclusion of evidence, and even the dismissal of claims. Given the importance of protecting evidence, it’s important for both parties to be aware of applicable laws and diligent about preserving evidence for any pending or anticipated litigation. 

In civil litigation, the issue of spoliation of evidence generally pertains to defendants. The plaintiff often does not have control of evidence, access to evidence, or the ability to examine key documents prior to or in the early stages of litigation. 

That said, plaintiffs also need to be aware of their duty to preserve evidence in order to avoid adverse presumptions or sanctions under the Louisiana Rules. 

The duty to preserve evidence means that anyone who is involved in a legal case has to make sure that any evidence that could be relevant to the case is kept safe and not destroyed or altered. This duty begins as soon as someone knows that a legal case might happen, and it continues until the case is over.

To properly preserve evidence, it’s best to keep it in a secure location where it can’t be damaged or tampered with. If the evidence is electronic, it’s a good idea to make backups in case the original files get lost or corrupted. It’s also important to document any changes or alterations made to the evidence, as well as who made them and when they were made. This can help prevent accusations of tampering with evidence and ensure that the evidence is admissible in court.


Make Sure You’re Protected

The absolute best way to ensure that you properly protect evidence and that adverse parties do the same is to contact an attorney as soon as possible when you believe litigation will be necessary. Saunders & Chabert’s team of experienced litigators will protect your rights to evidence such as videos, photographs, electronically stored information, documents, writings, witness testimony, and objects. 

In addition, don’t be afraid to ask companies, corporations, or even insurance companies for this evidence at the time of an accident or incident. 

Contact us today at (888) 815-1974 with any questions you have or to get our team on your side. You can also contact us by setting up a free consultation online. Be proactive about protecting your rights to ensure that all key evidence is available and presented prior to your day in court. 

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